hotrain69 Posted October 27, 2008 Posted October 27, 2008 hope this is not a stupid question. but i did a quote online at Bell insurance for a Zed i'm looking at. Just wondered if there is any way of talking to them to get it cheaper. If I rang them, what do i say to them and how do i go about doing it. again, hope this is not a stupid question. thanks Quote
martinmac Posted October 27, 2008 Posted October 27, 2008 Get several quotes and then phone around, ask for their price and when they tell you sound dissappointed and say Oh. They will ask you what your cheapest quote is. If you have two years driving similar cars also try Chris Knott who is on here and gives a forum discount. Sky are also offering discount to members. Quote
xStric9x Posted October 27, 2008 Posted October 27, 2008 Try adding parents or partners cause that brought our insurance down Quote
Ian Posted October 27, 2008 Posted October 27, 2008 Add a woman driver then phone them up and ask them if they can do it cheaper than the quote you got online - as a new customer they generally will & as an exisisting customer the normally do - remember You dont get If you dont ask. How old are you? Bell are pretty good for young drivers As a side note I've phoned loads of insurance companies in the last few days forr a quote & none of them could get anywhere near the price that Bell have quoted me for this year Quote
SunsetZed Posted October 28, 2008 Posted October 28, 2008 Admiral were good for me (I'm 24) although apparently they whack the premium up massively if you start modding... Quote
Chris`I Posted October 28, 2008 Posted October 28, 2008 Admiral were good for me (I'm 24) although apparently they whack the premium up massively if you start modding... +1 - although heard the opposite for the modding. Premium doesnt increase, but they dont replace mods. So only replace broken OEM items. Quote
Pingu2 Posted October 28, 2008 Posted October 28, 2008 im with admiral and so far they are charging me 40 quid extra for mods - but wont replace them if they are damaged... at some point I will have to find an insurer that will actually cover the cost of the mods but not worth it yet! Quote
ab350z Posted October 28, 2008 Posted October 28, 2008 Directline yesterday, £494, i'm 26 with 3 years NCB. Quote
hotrain69 Posted October 28, 2008 Author Posted October 28, 2008 I'm 22, going to be 23 in December, with 0ncb. Adding my dad and mum as 2nd and 3rd drivers. I think I'm basically got it down as far as possible from the online quote on Bell. it was about £1350, as i said i'm using it to commute to work as well. But just thought i may be able to get a bit more off? what do you guys think? Quote
Ebized Posted October 28, 2008 Posted October 28, 2008 Have you tried the insurance companies who advertise on this forum's Home page Quote
hotrain69 Posted October 28, 2008 Author Posted October 28, 2008 Have you tried the insurance companies who advertise on this forum's Home page I have looked at the threads, but there seem to be so many. dont think i'l have time to go through all of them. Any which i should be calling first? Quote
IanS16 Posted October 28, 2008 Posted October 28, 2008 I'm 22, going to be 23 in December, with 0ncb. Adding my dad and mum as 2nd and 3rd drivers. I think I'm basically got it down as far as possible from the online quote on Bell. it was about £1350, as i said i'm using it to commute to work as well. But just thought i may be able to get a bit more off? what do you guys think? How many years have you been driving? Im 23 in January with 0NCB and mine is £2625 with bell so I think £1350 is pretty damn good! The great thing about bell is that you can 'tweak' it online.. for example, instead of having bodykit as a mod, its cheaper to have front bumper, sideskirts and rear bumper ticked! Quote
hotrain69 Posted October 28, 2008 Author Posted October 28, 2008 I'm 22, going to be 23 in December, with 0ncb. Adding my dad and mum as 2nd and 3rd drivers. I think I'm basically got it down as far as possible from the online quote on Bell. it was about £1350, as i said i'm using it to commute to work as well. But just thought i may be able to get a bit more off? what do you guys think? How many years have you been driving? Im 23 in January with 0NCB and mine is £2625 with bell so I think £1350 is pretty damn good! The great thing about bell is that you can 'tweak' it online.. for example, instead of having bodykit as a mod, its cheaper to have front bumper, sideskirts and rear bumper ticked! that is a massive difference. i've been driving for 5 years. and the policy has me as main driver and then my dad and my mum. i'll give the bodykit trick a try see if it does anyhting. thanks mate. still cant believe how similar we are but with massively diferent quotes. Quote
IanS16 Posted October 28, 2008 Posted October 28, 2008 I'm 22, going to be 23 in December, with 0ncb. Adding my dad and mum as 2nd and 3rd drivers. I think I'm basically got it down as far as possible from the online quote on Bell. it was about £1350, as i said i'm using it to commute to work as well. But just thought i may be able to get a bit more off? what do you guys think? How many years have you been driving? Im 23 in January with 0NCB and mine is £2625 with bell so I think £1350 is pretty damn good! The great thing about bell is that you can 'tweak' it online.. for example, instead of having bodykit as a mod, its cheaper to have front bumper, sideskirts and rear bumper ticked! that is a massive difference. i've been driving for 5 years. and the policy has me as main driver and then my dad and my mum. i'll give the bodykit trick a try see if it does anyhting. thanks mate. still cant believe how similar we are but with massively diferent quotes. The difference is you have been driving for 4 years more than me Quote
hotrain69 Posted October 28, 2008 Author Posted October 28, 2008 I'm 22, going to be 23 in December, with 0ncb. Adding my dad and mum as 2nd and 3rd drivers. I think I'm basically got it down as far as possible from the online quote on Bell. it was about £1350, as i said i'm using it to commute to work as well. But just thought i may be able to get a bit more off? what do you guys think? How many years have you been driving? Im 23 in January with 0NCB and mine is £2625 with bell so I think £1350 is pretty damn good! The great thing about bell is that you can 'tweak' it online.. for example, instead of having bodykit as a mod, its cheaper to have front bumper, sideskirts and rear bumper ticked! that is a massive difference. i've been driving for 5 years. and the policy has me as main driver and then my dad and my mum. i'll give the bodykit trick a try see if it does anyhting. thanks mate. still cant believe how similar we are but with massively diferent quotes. The difference is you have been driving for 4 years more than me yes that must be it. you missed that bit out before. just tried to tweak the quote but didnt see the separate choice instead of the bodykit option. Quote
IanS16 Posted October 28, 2008 Posted October 28, 2008 When you tick yes to is your car modified you should get an extra scree that comes up when you click next. Then on mine I get a list of tick boxes. Thats where I chose spoiler, bumpers etc instead of bodykit. EDIT: Oh yeah.. one more thing, bell kill you if you choose monthly instalments! Quote
hotrain69 Posted October 28, 2008 Author Posted October 28, 2008 When you tick yes to is your car modified you should get an extra scree that comes up when you click next. Then on mine I get a list of tick boxes. Thats where I chose spoiler, bumpers etc instead of bodykit. EDIT: Oh yeah.. one more thing, bell kill you if you choose monthly instalments! yeh i thought as much. that's why i didnt even bother asking them. i actually dont think i can get it further down than 1350. but i guess i should try other insurers. have you tried any others? Quote
ab350z Posted October 30, 2008 Posted October 30, 2008 Have you tried the supermarkets? I've always found them competitive, and there are a few companies highly recommended on here. I've found if you call up they can get a cheaper quote than just going online and letting a computer decide for you based on criteria. Quote
scottsoulby Posted October 30, 2008 Posted October 30, 2008 im looking at insurance at the moment, bell was cheap at 830 (24 - 2Y NCB) and when i rang up they couldnt do it any cheaper than the internet quote so.... i rang chris knott's and they beat the quote down to 820 with no volentry excess which was good, all they needed was the reference quote from bell. also sky were good, same insurance as chris knott's but a little extra at 850 that was the nismo kit declared as well Quote
hotrain69 Posted October 31, 2008 Author Posted October 31, 2008 im looking at insurance at the moment, bell was cheap at 830 (24 - 2Y NCB) and when i rang up they couldnt do it any cheaper than the internet quote so.... i rang chris knott's and they beat the quote down to 820 with no volentry excess which was good, all they needed was the reference quote from bell. also sky were good, same insurance as chris knott's but a little extra at 850 that was the nismo kit declared as well nice one mate. will definately give chris knott a call. but to be honest need to get the car first. so busy at work at the moment haven't really had time to get myself to the front of the queue for this car. so wish me luck........ Quote
hotrain69 Posted November 2, 2008 Author Posted November 2, 2008 no need to try anymore insurers for now. didnt get the car Quote
CK@Chris Knott Insurance Posted November 6, 2008 Posted November 6, 2008 If you have two years driving similar cars also try Chris Knott who is on here and gives a forum discount. Sky are also offering discount to members. It's actually just 1 year's experience on our scheme! Quote
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